this happened in katrina. there was some uncertainty about what caused a particular structural damage. in katrina you had a lot of houses and structures that were completely wiped off and the only thing left was a slab of concrete. it is difficult to determine whether the damage was caused associated with katrina are swept away by the storm surge in the flood. there's controversy about whether damage was caused by wind versus water. it is caused by water, the national flood insurance program picks up the tab. this wind, the private insurance picks up the tab. now, the storm i don't anticipate there being that much controversy surrounding that issue partly because based on the footage that i've seen, there haven't been widespread properties total loss properties that katrina had. i think we'll have a better opportunity for adjusters to come out and he is a very scientific process, looking at the storms, looking at damage, water levels, watermarks on the property. these adjusters will determine whether the damag